Strategic Planning & Synergistic Valuation dalam KUB BPD Merancang Peta Jalan (Roadmap) Sinergi Bisnis, Teknologi, dan Penghematan Biaya Operasional

A. Strategic Planning dalam KUB BPD

• Konsep dan tujuan pembentukan KUB.
• Strategic positioning KUB BPD.
• Hubungan parent bank dan anggota KUB.
• Penyelarasan visi, strategi, dan target bisnis.
• Strategic assessment terhadap kondisi masing-masing bank.
• Analisis internal dan eksternal.
• SWOT dan strategic issue mapping.
• Identifikasi strategic priorities.
• Penyusunan strategic objectives KUB.

B. Synergy Mapping dan Value Creation

• Konsep synergy value.
• Revenue synergy.
• Cost synergy.
• Capital dan funding synergy.
• Technology synergy.
• Operational synergy.
• Customer synergy.
• Risk management synergy.
• Knowledge dan capability synergy.
• Identifikasi quick wins dan long-term synergy.
• Penyusunan synergy opportunity map.

C. Synergistic Valuation

• Prinsip valuasi manfaat sinergi.
• Baseline versus synergy scenario.
• Estimasi incremental revenue.
• Estimasi cost saving.
• Avoided cost.
• Investment requirement.
• One-off integration cost.
• Recurring benefit.
• Payback period.
• Return on Investment (ROI).
• Net Present Value (NPV) secara praktis.
• Sensitivity analysis.
• Scenario analysis.
• Penilaian synergy value secara finansial dan nonfinansial.

D. Revenue Synergy dan Business Integration

• Identifikasi peluang pertumbuhan pendapatan.
• Cross-selling antarcustomer base.
• Product bundling.
• Referral antarbank dalam KUB.
• Optimalisasi customer ecosystem.
• Integrasi channel distribusi.
• Pengembangan produk dan layanan bersama.
• Payroll dan captive market.
• Pembiayaan sektor unggulan daerah.
• Optimalisasi jaringan kantor.
• Digital customer acquisition.
• Pengukuran incremental revenue.

E. Cost Synergy dan Operational Efficiency

• Identifikasi cost driver utama.
• Cost benchmarking antarbank.
• Analisis cost duplication.
• Shared services.
• Konsolidasi fungsi pendukung.
• Pengadaan bersama.
• Vendor consolidation.
• Infrastruktur bersama.
• Konsolidasi data center dan teknologi.
• Standardisasi proses bisnis.
• Otomasi proses.
• Analisis potential cost saving.
• Benefit tracking atas efisiensi.

F. Technology & Digital Synergy

• Technology landscape assessment.
• Identifikasi duplikasi sistem dan aplikasi.
• IT architecture alignment.
• Shared technology platform.
• Konsolidasi infrastructure.
• Cloud dan data center strategy.
• Integrasi data.
• API dan interoperability.
• Cybersecurity synergy.
• Digital banking collaboration.
• Core banking considerations.
• Technology investment prioritization.
• Analisis biaya dan manfaat transformasi teknologi.

G. Organizational & Shared Services Synergy

• Identifikasi fungsi yang berpotensi disinergikan.
• Finance shared services.
• Procurement shared services.
• HR dan learning center.
• Legal dan compliance support.
• Risk management collaboration.
• Internal audit coordination.
• Data dan analytics center.
• Standardisasi SOP.
• Harmonisasi kompetensi dan operating model.
• Change management.
• Pengelolaan dampak organisasi.

H. Strategic Initiative Prioritization

• Identifikasi strategic initiatives.
• Value versus complexity analysis.
• Impact versus effort matrix.
• Quick wins.
• Strategic bets.
• Mandatory initiatives.
• Technology dependencies.
• Investment requirements.
• Risk assessment.
• Prioritization framework.
• Penyusunan initiative portfolio.

I. Penyusunan Business Case Sinergi

• Struktur business case.
• Problem statement.
• Strategic rationale.
• Baseline condition.
• Proposed solution.
• Investment requirement.
• Expected benefits.
• Cost saving estimation.
• Revenue impact.
• Risk and dependency.
• Implementation timeline.
• Financial valuation.
• KPI dan benefit realization.